Follow the dollars · Assumption only
A complete cash picture for Dec 7, 2026
Your down payment$124,008Cash toward the purchase price.
Closing costs + prepaids$11,185Not just lender fees.
Before credits & paid funds$135,193The complete starting cash picture.
Estimated remaining funds due at closing
$135,193No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$124,007.86
Your down payment$124,007.86
Closing costs + prepaids$11,185.21
Total buyer cash needed$135,193.07
Remaining funds due$135,193.07
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$3,100.00
Title & settlement$1,825.00
Recording fee$100.00
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$1,063.50
Initial HOA (3 months)$426.00
Prepaid interest, first (25 days)$370.71
Fees + prepaids$11,185.21
Your down payment is the seller’s equity. You take over the $185,992 balance, so the rest of the $310,000 price is paid at closing. A second mortgage can cover part of it. $135,193.07 is due at closing. Uses and sources reconcile at $321,185.21 each. Not a Closing Disclosure.